Construction Equipment Financing & Leasing

Mitigate equipment expense with a steady financial partner

Stay on the cutting edge of technology

Construction equipment financing and leasing can help you get the latest products for your business. Financing can help you purchase your own equipment. Our construction equipment financing and leasing options feature affordable monthly payments so you can keep your bottom line in check while still having the tools you need to get the job done.

Customization

Our representatives work directly with you to come up with flexible options to meet your needs and budget.

Fair pricing

We offer competitive rates, low monthly payments and assistance with consumables and installation costs.

Variety

From road machines to industrial tools, we'll craft a heavy equipment financing or leasing option that works for the type of tools you need.

Let's get started

As an industry leader, we pride ourselves on our experience and commitment to giving you a wide variety of options for leasing or financing your construction equipment. Contact an experienced representative and get started—it's that easy.

Secure the tools you need to get the job done

Ready to get started? It's quick and easy to apply online for financing.

We're here to answer your questions

Get to know our equipment finance team

Meet the equipment leasing and financing team , Opens in a new tab

Close more deals by offering financing to your customers

Offer Financing

Construction Equipment Products
Finance your fleet

We provide financing and leasing options for a wide variety of construction equipment products.

  • Skid steers
  • Farm equipment
  • Concrete equipment
  • Bulldozers
  • Excavators
  • Generators
  • Drills
  • Jackhammers
  • Forklifts
  • Compressors
  • Grinders
  • Cranes

Heavy Equipment Financing & Leasing Benefits
Finish the job with the right tools

Stay on the cutting edge of technology

When your construction equipment lease term is over, you can simply upgrade to the latest models or technologies.

Improve your workflow and efficiencies

New machinery means more work gets done quickly.

Protect your liquidity

Loans help you preserve your cash for other costs, such as hiring more people and marketing your business.

Bid for more work

When you take out a heavy equipment loan, you're free to bid for more contracts without feeling like you have to save money for purchasing equipment.

Avoid high maintenance costs and depreciation

Leasing your equipment means you don't own it, so you don't need to worry about long-term repairs or depreciation.

Construction Equipment Leasing & Financing FAQ
People often ask us

Access up to $500,000 application-only, and choose from lease or loan options. You can learn more by talking to a First Citizens representative at your local branch.

Flexible construction equipment financing helps your company retain cash flow while acquiring the heavy equipment you need. We work to keep your monthly payments as low as possible so you can use your cash for other costs.

Additional benefits to financing your heavy equipment include:

  • Loans to help you upgrade your fleet and retain ownership of your construction equipment
  • More work efficiency when you acquire the latest tools
  • Up to 100% financing on select new or used construction equipment

When calculating the right financing structure for your business, we evaluate several factors, including your monthly budget, your business needs and how long your business has been in operation.

There are many reasons companies choose to lease construction equipment instead of purchasing it outright.

  • Liquidity: Free up your cash flow to invest in other expenses.
  • Technology: When your lease term is up, simply turn in old machinery and upgrade to the latest model.
  • Efficiency: Working with new equipment means the job is done sooner and more efficiently.
  • Flexibility: Your budget no longer has the restrictions of maintenance and repair costs associated with keeping aging equipment in your fleet.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.

Not all applicants will qualify for financing. All finance programs and rates are subject to final approval by First-Citizens Bank & Trust Company and are subject to change at any time without notice.

First Citizens Bank & Trust Company and the parties referred to herein as "partners" are not "partners" of one another and have not entered into a "partnership", whether general or limited, as such term is used in the legal or literal sense.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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NMLSR ID 503941

Supporting financial documentation may be required for any transaction with First Citizens.